Call reports 2005
CAPSTONE BANK — 2005
What CAPSTONE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 79,533,000 | 76,845,000 | 78,976,000 | 73,178,000 |
| Total loans | 16,782,000 | 17,020,000 | 17,139,000 | 16,329,000 |
| Allowance for loan losses | 259,000 | 261,000 | 250,000 | 222,000 |
| Securities available for sale | 43,326,000 | 47,625,000 | 48,119,000 | 49,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,986,000 | 52,183,000 | 54,546,000 | 50,006,000 |
| Interest-bearing deposits | 45,831,000 | 43,105,000 | 44,934,000 | 41,718,000 |
| Noninterest-bearing deposits | 10,155,000 | 9,078,000 | 9,612,000 | 8,288,000 |
| Equity capital | 11,239,000 | 12,070,000 | 11,950,000 | 11,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 955,000 | 1,950,000 | 2,965,000 | 3,995,000 |
| Interest expense | 304,000 | 639,000 | 991,000 | 1,357,000 |
| Net interest income | 651,000 | 1,311,000 | 1,974,000 | 2,638,000 |
| Noninterest income | 156,000 | 320,000 | 509,000 | 675,000 |
| Noninterest expense | 536,000 | 1,085,000 | 1,662,000 | 2,258,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 293,000 | 587,000 | 865,000 | 1,112,000 |
| Income tax | 46,000 | 91,000 | 136,000 | 221,000 |
| Net income | 247,000 | 496,000 | 729,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,285,000 | 11,535,000 | 11,765,000 | 11,925,000 |
| Total capital | 11,544,000 | 11,796,000 | 12,015,000 | 12,147,000 |
| Risk-weighted assets | 35,627,000 | 34,803,000 | 35,429,000 | 34,065,000 |